Q: Why Would My Creditor's Agree To Drop Interest Rates When They Are Getting 20% Average From Me?
A: Your creditors are willing to work with us because of the tremendous amount of debt which exists today. We have established excellent relationships with all of the major creditors. So they are happy to work with us, because we provide people with a way to pay what they owe, instead of declaring Bankruptcy.

Q: Will Debt Consolidation Damage My Credit?
A: If you are delinquent on your accounts now, we can get your creditors to re-age your accounts and show them current. If you pay your bills on time, but have too much credit, and you are not getting ahead by making minimum payments, by reducing your debt to income ratio, you will improve your credit.

Q: Is Debt Consolidation Expensive?
A: No. A small Debt Management Fee is added to your monthly payment. With our Debt Management Fee included, your monthly obligation is usually less than what you are currently paying. There are no upfront fees, and the Attorney Representation is included.

Q: Do I Have To Give Up All Of My Credit Cards?
A: No. Unlike many of the Credit Counseling Services available today, Christian Debt Management will consolidate only the debts you ask us to.

Q: Why Should I use Christian Debt Management Instead of a Nonprofit Organization?
A: Nonprofit debt consolidators are paid by the creditors and impose budget requirements on you. In most cases, they will not allow you to keep any credit cards, and they report to the Credit Bureaus. This is a conflict of interest. At Christian Debt Management, we work for our clients.

Q: Can Christian Debt Management Repair My Credit?
A: Christian Debt Management is not a credit restoration service. However, by reducing your debt to income ratio your credit rating will improve over time if it has been damaged before. Christian Debt Management takes every precaution to minimize any damage to your credit as a result of debt consolidation.

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